Cigna Medicare Supplement Plans 2023
Cigna is a global health service company with approximately 70 million customers worldwide, serving people for over 220 years. Cigna Medicare supplement insurance plans are offered by ARLIC and Loyal American which are operating subsidiaries of the Cigna Corporation.
Cigna has released its latest Medicare Supplemental Plan, Cigna Supplemental (Supp) Solutions, insured by The American Retirement Life Insurance Company (ARLIC) to replace or enhance existing Loyal American Insurance in several states.
Cigna Medicare Supplement Insurance Plans 2023
Once you are eligible for Medicare, you have the option to add a Medigap (Supplement) plan to extend your coverage. There are several types of plans available in various states. With many seniors having spouses still under 65, extra benefits are necessary to cover unpaid medical expenses.
ARLIC and Loyal American Plan Advantages
When you sign up for ARLIC Cigna, you have the option of applying for Loyal’s lump sum benefits. Loyal’s affordable Cancer and Heart Attack & Stroke Insurance offers a low cost for extra Medicare coverage with a lump sum benefit of $5,000 to $50,000.
Unlike other insurance carriers, Loyal’s Cancer and Heart Attack & Stroke Insurance covers individuals up to age 80. This can make a huge difference when you get hit with large medical bills. Loyal also offers Cash Advantage Critical Illness Insurance and Hospital/Surgical Fixed Indemnity Insurance.
Statewide and Regional Coverage
ARLIC Cigna Medicare Supplement plans are available in a number of states, including AL, IA, KY, LA, MS, MT, NM, NV, OK, WV, SC and SD.
Loyal American Medicare supplement plans are available in Alaska, Idaho, Maine, Michigan, Minnesota, New Jersey, Oregon, Vermont, Washington, Washington D.C., and Wisconsin.
What You Need to Know About Cigna Medicare Supplement Plans
You cannot be singled out for a rate increase based on your health, no matter how many times you receive benefits. The policy’s rate structure is based on attained age (except in AZ, AR, FL, GA, and MO where the policy rate structure is based on issue age, and premiums can only be increased by class).
Other than increases due to your age, your premium will only change when:
- the same premium change is made on the same form issued to persons of your classification in the same geographic area of your state
- if coverage under Medicare changes
- if you move to a different zip code location
Exclusions and Limitations
Not all plans are available in all states. Check your state’s outline of coverage for availability. The combined benefits of ARLIC or Loyal American Supplement Policies with Medicare coverage will not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred.
Any expenses sustained relating to a pre-existing condition will not be covered for the first six months (6) starting from the effective date of coverage (90 days in Wyoming).
To start an application today, contact one of our Personal Benefits Manager at 1-800-913-3416, or choose an available time for a phone or screen-share meeting. Our professional and knowledgeable Personal Benefits Manager can assist you with choosing the best plan that meets your personal needs and has the lowest rate, plus answer any questions you may have–free of charge. Give us a call. We’d love to help! You can also get a free instant quote.
Cigna Frequently Asked Questions
What Medigap plans does Cigna sell?
Cigna has a relatively limited menu of Medicare supplement plans. But they do sell the most popular plans, including Plans A, F, G, and N. They also sell the high-deductible version of Plan G.
What states does Cigna Medigap operate in?
Cigna operates in all states except Massachusetts and New York. They also operate in the District of Columbia.
However, you can still use your Medicare supplement benefits in Massachusetts and New York at any doctor or provider who takes Medicare patients.
Are other benefits available to Cigna Medicare supplement enrollees?
Cigna allows Medigap enrollees access to their Healthy Rewards Program, which provides discounts for healthy lifestyles and choices.
They also provide access to a nurse-staffed 24-hour health information line.
Cigna Medicare Supplement Reviews
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Big rate hike at age 85
I’m 86 years old. I’ve had a Cigna Medicare Supplement policy for years. It used to be very competitive. But when I turned 85, the rates went way, way up. I found out I’m not the only person this happened to, and that Cigna tends to do this to the 85+ crowd.
So, it’s probably a good deal if you’re 65 and in poor health. If you think you’ll last much longer than 85, maybe it’s not the best plan.
Cigna’s dial a nurse line saved my life
I’m a 66 year old woman and live alone. I went out to dinner with friends one night and when walking back into my home I noticed I felt a little more out of breath than usual. I sat down on the couch to catch my breath but it didn’t go away. I didn’t feel any chest pains. No shooting left arm pains or anything like they show on TV. I just felt out of breath. And when I got up from the couch I’d feel a little dizzy. When I got back to the couch I thought I was going to faint.
This happened two or three times.
By this time it was almost midnight and the local emergency clinic was closed. I was planning to call my doctor in the morning, but Cigna has a 24-hour dial a nurse line, so I called them.
I spoke with the nurse and she said don’t panic but I should call 9-1-1 right away, because it might be a heart attack. And she said don’t try to drive yourself, because I could pass out behind the wheel.
So I called 9-1-1 and they sent an ambulance. When they got to the door I tried to get up but almost passed out and had to sit down again. They hooked up an EKG and told be that yes, I was having a heart attack and had to go to the hospital right away. And thank goodness I didn’t try to drive myself!
They told me that heart attacks are getting really common, even in women in their 40s, and that the symptoms are very different than for men. Women often don’t have any chest pain at all. Just dizziness, shortness of breath and nausea, and sometimes don’t get help right away.
I was really lucky that I called the Cigna nurse and she figured out what was going on. I might not have made it if I hadn’t made the call. I don’t remember her name but thank you!
If you’re having symptoms like mine, don’t try to act tough. You’re not tougher than a heart attack!
I like Cigna because unlike a lot of Medigap plans you can get some extra discounts and services with Cigna. I use the Healthy Rewards program a lot, which gives a 30% discount on Jenny Craig weight loss, a 25% discount at my chiropractor, and a even a small discount on my gym membership. It’s only 10% but I’ll take it. I get a discount at Pearle vision for glasses too but I haven’t used that yet.
It’s more expensive than some medigap plans I looked at but if you take advantage of the Healthy Rewards discounts it evens out and I even come out ahead.
I’ve been with Cigna Medicare Supplement for two years, so far.
Pros: 1. No “care networks.” I can see any doctor who takes Medicare. 2. I can use my plan out of state. I travel a lot still – even more since I retired, and I know I can use my Medigap benefits anywhere in the country. 3. Foreign travel benefits. I go to Canada every few to visit family, as well, and I can use my plan there though they only cover 80% out of the country. But without them I’d have zero coverage.
Cons: 1. They don’t cover dental or vision. 2. They don’t cover prescription drugs. But you can mitigate that by buying separate vision and dental, and a separate prescription drug plan. 3. Cost. I know there are some Medicare Advantage plans that have a zero premium. But you get what you pay for. And when I looked at the coverage,
Good insurance, bad communication
I had to go see a spine care specialist and told them I have a Cigna Medigap plan. They said I just had to pay my Part B deductible, which was $233. So I paid it up front. But then I got another bill that said I still owe the same $233 Part B deductible?
Still on hold with Cigna trying to figure it out.